Citibank Personal Loan

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Annual fee: $50 (waived for customers who make at least one transaction per year and Citigold and Citi Priority customers) No late payment fee No NSF/returned payment fee No check processing fee No prepayment penalty

Loan Information

You can only apply online if you are an existing customer of the bank getting $30,000 or less on a personal loan. For borrowers who aren’t customers, who want a line of credit or who want more than $30,000, you’ll need to call or stop by a branch in person.

Loan Requirements

At least $10,500 in annual income A Citibank deposit account balance of $500 or more (line of credit only) At least 3 months of tenure on a Citibank deposit account, a linked Citibank mortgage or a Citi credit card (line of credit only) At least 30 days tenure on a Citibank deposit account to apply for more than $12,500 (personal loan only)

Loan Contact

1-877-362-9100 Mon – Sun, 9:00 a.m. – 11:00 p.m. ET TDD/TTY for the hearing impaired: 1-800-992-9833 Mon – Sat, 7:00 a.m. – 1:00 a.m. ET


Credit cards issued by Citibank, N.A. or its affiliates, as well as Checking Plus and Ready Credit accounts, are not eligible for debt consolidation, and Citibank will not issue payoff checks for these accounts. If you are unsure of the issuer on the account, please visit for a list of Citi products and affiliates. Checking Plus (variable rate) line of credit will prevent a check from being returned unpaid only to the extent your line of credit is unused and available for this purpose. With Custom Credit Line, you may access funds up to your available credit line. Rates as of 4/30/2020. Your APR may be as low as 8.24% variable APR or as high as 20.24% variable APR (may vary by state). Lowest rate quoted above assumes the use of Auto Deduct (established at loan closing with monthly debits from a qualifying deposit account) for repayment, adequate Citi relationship balances, and an excellent credit history. Lower rates are available for Citigold and Citi Priority customers and customers with $200,000 or more in eligible relationship balances. If you are in default, your Annual Percentage Rate may increase by 2.00%. Annual Fee of $50 waived for Citigold and Citi Priority customers and anyone who takes a loan or makes a payment on their account once during the year. Personal lines and personal loans are made available by Citibank, N.A.

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